[kamaal]

There is only X amount of time and Y amount of energy you can use to 'maximize your income'.

Now come to think of this. If you choose to go this way More expense imply more work. How long can you can you continue doing this. Unless you have a business which you can milk like a cash cow, a salaried employee can only go so far with 'Work more earn more' attitude to match his increasing expenses.

The only approach is to know to how to save and invest appropriately.